You can apply for bill installments, but it may not be approved, let alone Taobao consumption, which is even more difficult to approve.

The installment fee in big shopping malls is very cheap. The interest for bill installment and consumption installment is generally about 0.6 per month. You can apply for a Guangfa credit card. For example, N82 sells for 2,500 yuan, and Guangfa sells it for 500 yuan per transaction. Regarding these five 500 transactions as consumption installments, Guangfa will approve them as long as a single transaction is more than 500 yuan.